The Transactions data point is available for many gig platform providers, and may contain both income and expense transactions as well as e-wallet deposits or withdrawals.

In certain cases, Smile also derives monthly income information from transactions through its Estimated Income user insight product.

After the user connects an Account via Smile, Smile retrieves the user's Transactions data from the Provider and makes it available for retrieval. You may listen for the appropiate events and webhooks (outlined below) in order to determine when their Transaction data is ready.

Fallback Methods

If the sources your user provided are not enough, you can also make use of Smile's Archive API to encourage the user to upload their payslip document.

The Transaction object

AttributeTypeDescription
idstringUnique ID of the transaction item on the Smile Network
datedateDate of the transaction
descriptionstringDescription of the transaction
currencystringCurrency of the transaction in 3 character alpha ISO 4217
amountfloatAmount of the transaction
referenceIdstringReference ID of the transaction from the provider
metadataobjectContains data about this transaction data point. See object below

The Meta Data object

AttributeTypeDescription
createdAtdate-timeDate/time when the account record was created
itemCreatedAtdate-timeDate/time when the transaction record was created
accountId DeprecatedstringID of the user's account in the Smile Network
sourceIdstringID of the user's account or archive in the Smile Network
sourceTypestringIndicates whether the source associated with this object is an account or archive. Possible values: ACCOUNT, UPLOAD, ARCHIVE
providerIdstringID of the data provider of the user's account
userIdstringID of the user on the Smile Network

Sample Transaction data

{
  "id": "t-123abc456def789abc123def456abc78",
  "date": "2023-08-17",
  "description": "xxx",
  "currency": "PHP",
  "amount": 8510.50,
  "referenceId": "1234567890",
  "metadata": {
    "createdAt": "2022-09-01T01:44:18Z",
    "itemCreatedAt": "2022-08-24T05:24:37Z",
    "sourceId": "a-123abc456def789abc123def456abc78",
    "sourceType": "ACCOUNT",
    "userId": "tenantId-123abc456def789abc123def456abc78",
    "providerId": "abccorp",
    "accountId": "a-123abc456def789abc123def456abc78"
  }
}

Endpoints

Endpoint
List all transactionsGET /transactions
Retrieve one transactionGET /transactions/{id}

Webhooks

TRANSACTIONS_ADDED

Sent when transaction data from a user is added from the provider.

{
  "id": "et-123abc456def789abc123def456abc78",
  "version": 1,
  "type": "TRANSACTIONS_ADDED",
  "createdAt": "2021-04-14T09:30:24Z",
  "data": {
    "userId": "tenantId-123abc456def789abc123def456abc78",
    "accountId": "a-123abc456def789abc123def456abc78",
    "count": 625,
    "providers": [
      "abccorp"
    ]
  }
}

TASK_FINISHED

Sent when the full data sync task process for a user's account is finished.

{
  "id": "et-123abc456def789abc123def456abc78",
  "version": 1,
  "type": "TASK_FINISHED",
  "createdAt": "2021-04-14T09:30:24Z",
  "data": {
    "userId": "tenantId-123abc456def789abc123def456abc78",
    "sourceId": "a-123abc456def789abc123def456abc78",
    "sourceType": "ACCOUNT",
    "providers": [
      "abccorp"
    ],
    "datapoints": [
      "IDENTITIES",
      "TRANSACTIONS"
    ]
  }
}